Insurance is a very big business and majority of us have coverage for ourselves for medical, home, auto and life insurance. We seldom think about getting coverage for our pets because it would be an added expense. After all, how can we afford another monthly bill just to insure a dog or cat? I have to admit, I myself contemplate securing insurance for my dogs because they are not just a dog or cat . . . they are beloved family members that mean the world to me as yours do to you, I am sure.
Pet insurance can significantly offset the costs of pet care, especially in emergency situations. There are also options that cover the bulk of routine visits, vaccinations and dental care. It is wise to read each plan and their options carefully, asking all questions upfront. Some insurance companies will pay your veterinarian directly while others require you to pay for the services and then reimburse you. Your costs, aside from the monthly insurance installment would be a small deductible and percentage of the services provided, usually 20%.
Though it is another expense we do not want to incur, pet insurance can definitely help in making a difficult decision in the event of an emergency. We never want to think our beloved pets can get hit by a car, sustain any type of broken bones, spinal or discs injuries, anything that endangers or hinders the healthy life of our pets. Most often the vet care for such types of emergencies can be so costly that many pet parents have difficult decisions to leave a pet untreated or the heartbreaking decision to put the put out of its’ misery. I know I never want to make that type of decision and would never choose the second option at any costs. Many surgeries and emergency procedures on dogs and cats can cost thousands of dollars, so it’s important for pet parents to seriously consider pet health insurance.
As with anything else you would do, shop around before making a decision. From a personal viewpoint, I would suggest looking unto a policy that covers your normal yearly expenses in addition to emergency care. For just a few dollars extra per month, office visits, vaccines and medications as well as yearly dental care can be covered. The insurance most widely endorsed by veterinarians is VPI insurance at http://www.petinsurance.com/ as well as ASPCA Pet insurance found at http://www.aspcapetinsurance.com/. There are other companies out there such as http://www.petcareinsurance.com/, Pets Best Insurance with info at http://www.petsbest.com/home_ml.aspx, Embrace Pet Insurance at http://www.embracepetinsurance.com/, and http://www.gopetplan.com/?gclid=CLH3h7-upKUCFQpZ2godOE0ZKQ.
I hope this help in making an educated and wise decision in choosing the right insurance for you and your pet. Part of being a good pet parent is to provide a loving home along with lots of love, attention, passion, benefits and good times with your four-legged family member. That should also include being prepared for emergencies and when times get tough . . . so that you can handle them with a little less stress and discomfort.